He also suggests couples establish an emergency fund to cover three to six months of expenses.

The average couple argues 20 times a year over finances, The Wall Street Journal reports. Talking about money at the beginning of a marriage could spare couples some of that bickering.

Looking ahead to the next five years, financial planner Tracy Burke tells the Wall Street Journal she recommends couple invest in a “diversified mix of stock and bond low-cost index mutual funds representing broad U.S. and international markets.”